Maybe the FSD and boost don't affect premiums as it doesn't affect the cost of the car in their valuation models. I.e they wont add the 6800 or 1500 onto their offer if it's written off and they'll treat it as a standard model 3... I.e if you write the car off you wont be getting the FSD or boost back unless you pay full whack for it again.. I've read of some instances where for some reasons software upgrades are not counted as increasing the value of a car (not just Tesla, but some Mercedes etc also)